Call reports 2005
SECURANT BANK & TRUST — 2005
What SECURANT BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 153,410,000 | 151,727,000 | 152,372,000 | 153,417,000 |
| Total loans | 117,956,000 | 118,183,000 | 118,288,000 | 121,491,000 |
| Allowance for loan losses | 1,397,000 | 1,400,000 | 1,377,000 | 1,338,000 |
| Securities available for sale | 17,711,000 | 17,774,000 | 17,596,000 | 17,119,000 |
| Securities held to maturity | 49,000 | 7,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,291,000 | 131,482,000 | 131,688,000 | 133,083,000 |
| Interest-bearing deposits | 111,971,000 | 104,763,000 | 105,908,000 | 108,591,000 |
| Noninterest-bearing deposits | 22,320,000 | 26,719,000 | 25,780,000 | 24,492,000 |
| Equity capital | 13,790,000 | 13,877,000 | 13,852,000 | 13,753,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,995,000 | 4,196,000 | 6,403,000 | 8,681,000 |
| Interest expense | 629,000 | 1,313,000 | 2,053,000 | 2,893,000 |
| Net interest income | 1,366,000 | 2,883,000 | 4,350,000 | 5,788,000 |
| Noninterest income | 152,000 | 311,000 | 481,000 | 640,000 |
| Noninterest expense | 1,262,000 | 2,409,000 | 3,652,000 | 4,874,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 50,000 |
| Pretax income | 256,000 | 735,000 | 1,129,000 | 1,504,000 |
| Income tax | 77,000 | 244,000 | 377,000 | 501,000 |
| Net income | 179,000 | 491,000 | 752,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,151,000 | 13,151,000 | 13,151,000 | 13,151,000 |
| Total capital | 14,620,000 | 14,623,000 | 14,600,000 | 14,561,000 |
| Risk-weighted assets | 123,831,000 | 127,134,000 | 124,850,000 | 126,824,000 |